Natural Disaster Risk in Middletown
Illinois
Risk Summary for Middletown
Middletown scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Middletown, Illinois
Middletown, in Logan County, is a small unincorporated community situated in the interior eastern United States. Its humid continental climate brings bitterly cold winters and hot, humid summers, and in particular a severe thunderstorm and tornado season each spring. These conditions collectively define the natural hazard environment that Middletown residents and property owners must navigate.
Middletown's overall natural disaster risk is rated 6.0/10 (High) by FEMA's National Risk Index. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Secondary hazards include wind and cold wave.
Within Illinois, Middletown's risk is, near the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Logan County identifies drought as the foremost hazard, followed by wind and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Middletown's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Middletown: Drought preparedness
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
Local Factors for Middletown
These city-level factors differentiate Middletown from other communities in Logan County and provide geographic context for its hazard exposure.
Population
485
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.4/10
Coordinates
40.0838° N, 89.5436° W
Logan County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Middletown
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Middletown
Other cities in Illinois
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.